Stock Plan Redesign June 2016 2016 ETRADE Financial

Stock Plan Redesign June 2016 © 2016 E*TRADE Financial Corporation. All rights reserved. This presentation contains confidential information and may not be disclosed without E*TRADE Financial Corporation’s written permission.

PLEASE READ THE IMPORTANT DISCLOSURES BELOW E*TRADE Financial Corporate Services, Inc. is located at 4005 Windward Plaza Drive, Alpharetta, GA 30005. The E*TRADE Financial family of companies provides financial services that include trading, investing, banking, and managing employee stock plans. Employee stock plan solutions are offered by E*TRADE Financial Corporate Services, Inc. Securities products and services offered by E*TRADE Securities LLC, Member FINRA/SIPC. In connection with the stock plan solutions it offers, E*TRADE Financial Corporate Services, Inc. utilizes the services of E*TRADE Securities LLC to administer stock plan participant brokerage accounts. E*TRADE Financial Corporate Services, Inc. and E*TRADE Securities LLC are separate but affiliated companies. The laws, regulations and rulings addressed by the products, services and publications offered by E*TRADE Financial Corporate Services, Inc. are subject to various interpretations and frequent change. E*TRADE Financial Corporate Services, Inc. does not warrant these products, services and publications against different interpretations or subsequent changes of laws, regulations and rulings. E*TRADE Financial Corporate Services, Inc. and its affiliates do not provide legal, accounting or tax advice. Always consult your own legal, accounting and tax advisors. © 2016 E*TRADE Financial Corporation. All rights reserved. 1

Participant Stock Plans Redesign 2

Introduction In the Stock Plan Redesign, E*TRADE Securities LLC (E*TRADE Securities) is making changes to help enhance and improve the online experience for stock plan participants. This redesign has been developed to make the stock plan experience on etrade. com easier to use. The goals of the redesign are to: § Make the stock plan experience easier to use § Offer a supportive experience that helps demonstrate the value provided by the employer to the participant § Help participants learn to manage their stock plan benefits by making it easier to find and use products and tools § Provide a clean and modern look with consistent navigation across all pages § Redesign the Sell/Exercise page, allowing for multiple benefit types to be sold simultaneously § Expand visibility into plan holdings, grouped by plan type or status § Show which grants are sellable, exercisable, unvested, or require acceptance § Make ESPP enrollment, grant acceptance, and tax elections simple and informative by redesigning the Plan Elections page while maintaining all of the functionality of the current Stock Plan experience 3

Introduction The sample screenshots provided in this document include the following sections: Overview Screen Sell My Account ESPP Enrollment Holdings Plan Elections Exercise Knowledge The images are sample screenshots for illustrative purposes only, and are subject to change. page 4

Screenshot Walk-through Overview Screen 5

Account Value Over Time 6

Account Value Over Time – Chart Fly-out 7

Account Value Over Time – Chart Hover Value 8

Timeline – 3 Month 9

Timeline – 6 Month 10

Timeline – 12 Month 11

Timeline – 12 Month Fly-out 12

Screenshot Walk-through My Account 13

Benefit History - Data 14

Benefit History – Data Fly-out 15

Benefit History – ESPP Table 16

Benefit History – Restricted Stock Table 17

Gain & Losses 18

Orders 19

Confirmations 20

Company Resources 21

Screenshot Walk-through Holdings 22

Snapshot 23

Snapshot – Show More Company Info 24

By Benefit Type - Expanded 25

Actionable 26

Actionable – Exercisable Expanded 27

Multi-ticker Company Snapshot 28

Screenshot Walk-through Exercise 29

Exercise 30

Exercise 2 31

Exercise – Choose Options to Exercise 32

Exercise – Choose Options to Exercise 2 33

Exercise – Order Preview 34

Screenshot Walk-through Sell 35

Sell 36

Sell – Create 37

Sell – Create Order 2 38

Sell - Preview 39

Screenshot Walk-through ESPP Enrollment 40

Login 41

Login 2 42

Challenge Question 43

Challenge Question - Answer 44

ESPP Enrollment Table 45

Redirection to Activation 46

Redirection to Activation with Optional Activation 47

Redirection – Cannot Complete Activation 48

Change Enrollment 49

Change Enrollment 2 50

Change Enrollment 3 51

Change Enrollment 4 52

Change Enrollment 5 53

Change Enrollment - Success 54

Screenshot Walk-through Plan Elections 55

Overview 56

Grant Acceptance Table 57

Grant Acceptance Table - Expanded 58

View Grant Acceptance 59

Accept Grant 60

Accept Grant 2 61

Accept Grant - Error 62

Accept Grant - Success 63

Deferral and Tax Payment Table 64

Deferral 1 65

Deferral 2 66

Deferral 3 67

Deferral - Success 68

Tax Payment Preference 69

Tax Payment Preference 2 70

Tax Payment Preference 3 71

Tax Payment Preference - Success 72

DRIP 73

DRIP Multi-ticker 74

DRIP Success 75

ESPP Enrollment 76

ESPP Enrollment - Expanded 77

ESPP Enrollment – Expanded 2 78

ESPP Enrollment - Change 79

ESPP Enrollment - Confirmation 80

ESPP Enrollment - Preview 81

Quicksale 82

Quicksale 2 83

Quicksale 3 84

Quicksale – Enrollment Confirmation 85

Quicksale Unenrollment Confirmation 86

Quicksale Deposit 87

Quicksale Deposit Multi-ticker 88

Screenshot Walk-through Knowledge 89

Knowledge 90

© 2016 E*TRADE Financial Corporation. All rights reserved. This presentation contains confidential information and may not be disclosed without E*TRADE Financial Corporation’s written permission. 91